Weather

RSA GRADS

Reports

Global Events

Climate attribution remains easier for some weather events than others and temperature records are the simplest data to link to any immediate climate change.

However, earthquakes, tropical storms and volcanos can and will have an immediate effect on global and localised weather — which are influenced by a complex interplay of sudden temperature changes and extreme low and high precipitation intervals.

About RMD

RMD Financial Services

RMD Portfolio Management

Registered Financial Service Provider – FSP 714

Registration number: 1998/21570/07

Disclaimer

Robinson Mulder De Waal Financial Services (Pty) Ltd. is an authorized Financial Service Provider –FSB license no 36712. Robinson Mulder De Waal Financial Services (Pty) Ltd is a member of the JSE Limited

RMD Portfolio Management (Pty) Ltd is an authorized Financial Service Provider – License no 714. RMD Portfolio Management (Pty) Ltd is a member of the Fund Managers Association of South Africa

RMD’s Website is provided by RMD for educational purposes only. RMD makes no representations or warranties about the accuracy or suitability of this information for any purpose. Errors and omissions may occur. Therefore, RMD disclaims any warranty, whether express or implied, as to any matter relating to this service and all information provided, including but not limited to the fitness for any particular purpose. In no event shall RMD be liable for any indirect, special, incidental, or consequential damages arising out of any use of reliance of any information contained herein. Nor does RMD assume any responsibility for failure or delay in updating or removing the information contained herein.

To maintain an informative and valuable website that meets the needs of all users but avoids harm to others, Users must adhere to the following Rules for Use:

1. Users may download, print or transmit information from the RMD Website for personal and private use only. Any reproduction, retransmission, or republication of all or part of any document found on this site is expressly prohibited, unless RMD or the copyright owner of the material has expressly granted its prior written consent to so reproduce, retransmit, or republish the material. All other rights reserved.

2. Although the site includes links providing direct access to other Internet sites, RMD takes no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.

3. Users may not post or transmit any messages that are libellous, defamatory, abusive, anti-competitive, illegal, or violate any other person's copyrights, privacy rights, trademarks, trade secrets, or rights in other confidential information.

4. RMD does not intend to discourage users from taking controversial positions or expressing what may be unpopular views; however, RMD reserves the right to take such action as it deems appropriate in cases where the RMD website is inappropriately used to disseminate statements or materials that are reasonably construed as abusive, destructive, harmful, or threatening to the safety of others.

5. The names, trademarks, service marks and logos of RMD appearing on this site may not be used in any advertising or publicity, or otherwise used to indicate RMD’s sponsorship, endorsement of, or affiliation with any product or service, without RMD’s prior express written permission.

6. Users may not post any information or other material protected by copyright without the permission of the copyright owner. By posting any material, the posting party warrants and represents that it owns the copyright with respect to such material or has received permission from the copyright owner to use it in such manner. By posting communications, User grants to RMD a royalty-free, perpetual, irrevocable, nonexclusive license to use, reproduce, modify, publish, translate, distribute, perform and display those communications alone or as part of other works in any form, media, or technology, whether known or hereafter developed and sublicense such rights through multiple tiers of sublicenses. User further agrees to grant other Users the right to access, view, store, and reproduce the communications for personal use.

Complaints Handling Policy and Procedure

RMD seeks to maintain and enhance our reputation of providing our clients with high quality service. We
value complaints as they assist us to improve our services and direct us to anything that might not be
up to standard. RMD is committed to being responsive to the needs and concerns of our customers or
potential customers and to resolving all complaints as quickly as possible.

If you are dissatisfied with a service provided, incorrect statements or if you have any other complaint
please contact Jeanne-Marie van Zyl at the RMD Compliance Department directly. Complaints can
include but are not limited to, being treated unfairly by representatives, RMD staff not executing
instructions given, or RMD staff acted contrary to the requirements of the FAIS act.

Acknowledgement of receipt of the compliant will be sent to you. The Compliance Department will
investigate the matter as soon as reasonably possible. Where necessary, and with the approval of the
client, the complaint will be escalated to either RMD’s Directors, or the JSE, or the FSB whichever is
applicable.

Due to legal requirements you might be required to submit your complaint in writing. Following the
complaint investigation, we will notify you as soon as possible of our findings, and any possible actions.

If the complaint is resolved, and you, the customer, have confirmed that you are satisfied with the
outcome, this will be seen as finalised.

If your complaint is not resolved in six weeks or not resolved to your satisfaction, RMD will provide you
in writing with an explanation, and possible reasons for this.

FAIS prescribes that you may submit your complaint to the FAIS Ombud in writing, backed by
supporting documentation, within 6 months

The FAIS Ombud will then notify RMD of the complaint received, and request a written response.
Once the FAIS Ombud has reviewed RMD’s written response and this was forwarded to the plaintiff, you
will have two weeks to decide whether to pursue the claim or not.

If you choose to pursue the claim, the FAIS Ombud will endeavor to resolve the matter with mediation
and consultation, and then present both RMD and the customer with a recommendation in writing.

If both parties agree to this, it becomes the final recommendation, and it will be communicated to the
relevant Clerk of the Court.

However, if one of the parties does not agree with the FAIS Ombud’s recommendation, the FAIS Ombud
is to be notified in writing to consider the claim and make another recommendation, if need be.

If both parties agree to this recommendation, it will then be sent to the Registrar, all parties involved,
and the Clerk of the Court who has jurisdiction over this matter

However, if either party disagrees with the Ombudsman’s final recommendation, they may apply for
appeal against this outcome within one month. This matter will then be handled by the Board of Appeal.

RMD is committed to being consistent, fair and impartial when handling complaints. When you lodge a
complaint your personal details will be treated as confidential, unless you give permission that it might
be disclosed.

Please feel free to contact Jeanne-Marie, or any member of management of RMD, if you have any
additional questions

Code of Ethics

RMD is a specialized financial services company that focuses on SAFEX, Yield-X, Single Stock Futures and Portfolio management. As a member of JSE; RMD ensures to comply with all applicable legislation, rules, procedures and guidelines, relevant to the JSE ltd, Financial Services Industry, state and local government.

Core Values

RMD is committed to be a top class firm, embracing a tradition of service excellence, diligence, unquestionable integrity, and the highest ethical standards. We conduct our business legally, fairly and honestly.

Employees

We focus on attracting and retaining top quality staff who are dedicated to the company and its values. Employees have positive attitudes towards developing long-term relationships with our valued clients. RMD creates an empowering environment for our competent employees by developing their skills and ability to be innovative, effective and efficient. As a team of concurring professionals, we at RMD strive to share our knowledge amongst each other, explore our views and contribute through our combined individual strengths. RMD uses strict talent selection to minimize the risk associated with dishonesty and unethical behavior. We support equal opportunity in employment and objectively evaluate all qualified candidates.

Management

Management will strive to always act in the best interests of the company and its clients, take accountability for our decisions, always communicate objectively, truthfully and accurately, compete fairly and not engage in unlawful market conduct and aim to contribute to the economic well-being, social development and upliftment of the community.

Customer Relations

Our clients form an important and integral part of our business. We endeavor to provide our clients with distinctive value, through honest and direct communication and the ethical use of knowledge. We act to meet the best interest of all our clients. It is imperative to us that information provided to customers is clear, factual, correct, and delivered in a timeous fashion. When commitments are made to customers, it will be honored at all times. If commitments cannot be honored, feedback will be given to the customer within an agreed-upon timeframe.

Confidentiality

We recognize the importance of protecting our client’s personal and financial information. Confidentiality is highly regarded and assured. We respect the confidentiality of information acquired in the course of business, and will only disclose of information when authorized to do so, or when a legal obligation with regards to a certain situation exists.

Implementation

All current employees have received a transcript of the ethical code and conduct, while every new employee receives one during the orientation process. Ethical performance is monitored regularly in order to ensure that irregular or unethical business practices are eliminated. RMD, as a financial institution, prides itself on creating an environment where all employees and clients can feel free to raise any queries or report any discrepancies. All incidents are formally investigated and corrective actions will be taken with a “zero-tolerance” policy.